When take a life Insurance?

Why? Because the cost of life insurance cover is at an historic low.

Providing youíre in good health, if you took out life cover six years ago, in 99 out of 100 cases, youíll find itís cheaper now to get the same amount of cover. Even though youíre older and, in theory, a greater actuarial risk.

The reason life insurance premiums have come down is because of how the insurance industry reacted to AIDS.

Initially, premiums rocketed upwards but when the expected epidemic failed to materialise, from the mid 1990s onwards, premiums fell rapidly.